Life Moments

Planning
your wedding

Working out your wedding budget

You should start planning your big day by creating a budget. With the average cost of a UK wedding being around £22,000, it's a good idea to do your sums first.

Think about how much you have and how much you want to spend:

Do you already have some money set aside?

Will either of your families be contributing?

Do you need to start saving?

You can use our budget calculator to see what you can afford.

Start saving for your big day

If you do need to save up for your wedding, you could set up a savings goal, and also think about taking out a saving account to put money away.
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Set a wedding savings goal

Work out what you need to pay for your big day and use the tool to help you get there. Your savings goal will be linked to your Royal Bank of Scotland savings account.
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Could our Savings Builder help you?

Our Savings Builder could help towards your dream wedding if you can save at least £50 each month. It's available to Royal Bank of Scotland current account holders aged over 16.

Thinking about a loan?

You might want to look at borrowing some money to top up your savings and cover your wedding costs if you're over 18.
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Look at our wedding loans

You could consider a personal loan between £7,500 and £19,950, representative 3.4% APR. Other amounts available at alternative rates, specific eligibility criteria apply.

The legal side of things

Give notice to marry

Once you've decided on a date, you need to give at least 28 days' notice to marry at your local registrar's office.

Make a will

If you don't already have a will it's a good time to make one. If you do have one, think about updating it.

Change your name

If you want to take your partner's surname, send your marriage certificate and a letter to record-holders. You may need to send an original so check with them.

Tax considerations

There are some potential tax advantages to being married.

Tax considerations

Transfers of assets between partners are treated as taking place at no gain or loss for Capital Gains Tax purposes, effectively meaning no UK tax is payable at that point.

The Marriage Allowance may also be available, which would allow one partner to transfer some of their Personal Allowance to the other, potentially saving them tax.

If one partner was born before 6 April 1935 the Married Couples Allowance may apply instead.

Update documents

If you decide to change your name, there are a number of documents you'll need to update.

Update documents

You'll need to tell:

Your employer

Bank

Pension company

Credit card provider

Insurance providers

Any companies you have shares in

You'll also need to update your passport and driving licence.

Wedding insurance

Think about taking out wedding insurance to cover what you spend.

Wedding insurance

Insurance will cover your spending if your big day is cancelled or postponed. This may be because of bad weather or illness.

Moving in together


You may be setting up home together before or after your wedding, either way our guide will give you some handy tips to get started.

Is there something else you're looking for?

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